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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $18,067 | $75,832-76.2% | $147,618-87.8% | $59,633-69.7% |
| Participation rate | 28.6% | 71.6%-43.0pp | 84.6%-56.0pp | 68.7%-40.1pp |
| Annual return | -7.77% | 0.37%-8.1pp | 61.98%-69.8pp | 2041.47%-2049.2pp |
| Employer contribution / active EE | $201 | $3,485-94.2% | $5,564-96.4% | $2,203-90.9% |
| Participant deferral / active EE | $3,679 | $3,131+17.5% | $4,895-24.8% | $3,192+15.3% |
| Admin fee / account holder | $1,818 | $5,986-69.6% | $11,612-84.3% | $4,297-57.7% |